Báo cáo thực tập tại Chi nhánh ngân hàng Công Thuơng Hai Bà Trưng.PDF

Báo cáo thực tập tại Chi nhánh ngân hàng Công Thuơng Hai Bà Trưng

DFGT IOC TEIRH LORD

Sinh vien : Li Van Aril,

Ma Binh vien : A08006

HA NOI, 11 - 2007

Bao cao thuc tap tong hop chi nhanh NHCT Hai Ba Tnrng

MVC LVC 1.61 MC1 DAu

I Lich sir hinh thanh va ph& hien can chi nhanh NgAn hang Cong thuong Hai BA

II.Co cao to chat cim chi nhanh Ngan hang Cong thuong Hai BA Tnmg 3

I MO birth to chic chi Nth NHCT Hai BA Thaw 3

2 Chinc nang, nhiem vu cim cat phang nghiep vu cia Chi nhanh NHCT Hai B

IV Mat so san pham dick vu dm Chi nhanh Ngan hang COng thuong Hai Ba

ThIliC TRANG HOAT HONG SAN XUAT KINH DOANH COA CHI NHANH

NOI DUNG QUY TRINH TIN DUNG TRUNG — DAI HAN DM NHCT HAI

DINH HUONG PLEAT TUN VA MQT SO GIAI PHAP NANG CAO IlleU QUA HOAT DUNG TAI CHI NHANH NGAN HANG CONG THUONG HAI BA

Dinh huang Slat trien do Chi nhanh Ngan hang Cling throng Hai BA Dung

IV Giii phap nang cao hieu qua host Ong Gi Chi nhanh Ngan hang Cong throng

Boo coo flute top tang hop chi nhanh NHCT Hai Ba Trung

Lit md DAu

Ts mat nen kinh te mang Ming tinh top thing quan lieu bap can, vie° chuyen sang hoot dOng co the tin truong djnh huang XHCN co Si' quan ly cue Nha nu& coy nghia quyet djnh ye sy doi mOi tha Dang ta trong dieu hanh nen kinh te

Hoot dans Ngan hang (NH) IA mat trong nhang mAt rich quan hong eau thanh

su von dOng nhjp Mang coo nen kinh te, ding vele sy chuyen doi nen kinh te he Mang NH cling co su thay ded cho phi) hop ved dieu kien va hohn canh kinh te del mei cat ve alio be may Ian to che boat Clang, co nOi dung va phuong phap, ca hong doi ned, ding Mu doi ngoai

Phil mei rang, viec el& mai haat dOng cna NH ved y nghia day du coo no chi Elam sy atm lir sau Dal hei Ding Ian thil VI va ngay cang sang rd clan qua the Nghj quyet, Quyet djnh etia Dang va Nha nude

Dac biet, lir khi co Nghj dinh s6 53/HDBT ngay 26/3/1988 ve to chew be may

NH NM mrac Viet Nam, ma nOi dung chn yeu la to chat He thong NH thong Mat trong ca nuac gam 2 cap: NH Nha nu& va NH chuyen doanh, dang Mei phin djnh ra quyen hjui - nhiem vu dm mai cap: NH Nha nude Iam nhiem vu quan ly Nha nude ye ben to - tin dung va NH dal vol nen kinh te /mac den

Cac NH thuong mai quac doanh bap gem: NH Ngogi thuong, NH Nang ngliep-phitt Irian Ming then, NH Conn thuong Viet Nam, NH Su to phat men thyc hien kinh doanktien te, djch vv NH, then chit throng, chinh sach va phap luet Nha nude, the NH deu thyc Men vice Nth man kinh te dept lsp taan nganh Trong do NH Cong thuong Viet Nam gam co 97 chi nhanh tren than mac thi co 63 chi nhanh bath than phy thuac NH C6ng throng Viet Nana, NH Ging thuong Hai Ba Tnmg la met chi nhanh time thu06 NH Cong thuong Viet Nam

La sill vien khoa Ngan Hang-Tai chinh, twang DM hoc Dan Lep Thang Long,

da dupe than gia thy° tap tai Chi nhanh Ngan hang Cons throng Hai BA Trung, dueri

su djnh huong cia nha throng, sy ship der cila can he ming 'than vien dm chi nhindi, Eel de tim hieu va nom bat tong quan ve boat dOng cue ngan hang not chung va chi nhanh Ngan hang Ging thuong Hai BA Tnmg not Hang

13fin caothuc tap tang hop gam nhemg net khai quit ve lich sir hinh thanh va phit then, ca cau to chirc, chdc nang nhiem vu °ha tong phong ban, dude hang mat so host dOng kinh doanh, ke hoach Oat then va met s6 giai phip Jiang cao hieu qua boat

&Mg mks chi nhanh Ngan hang Cong thuong Hai Bit tnrng trong thbi gian

Bao cao thgc t4p t6ng hcop chi nhanh NHCT Hai BA Tnmg

PHAN 1 TONG QUAN St CHI NHANH NGAN HANG CONG THUONG HAI BA TRUNG

I L ch sir hinh thinh vi pilaf Bien cim chi nhanh Ngan hang Cong thirong Hai

Bi

Chi nhanh Ngan hang Clang thuong Hai MI Trung duce xay Ming vim Mun

1955 van ten mg "Chi diem Ngin hang Hai Ba Trung"

Sal kid thin Men nghi dinh so 53/HDBT ngay 26/3/1988 cna hai daing ba Outing ve TO chat ba may NHNN Viet Nam chuyen sang co the ngfin hang hai cAp, tir met chi nhanh ngan hang kinh to cap quan thuijc dia ban quail Hai Ba Thing, trot thueic NHNN Minh phO Ha NOi chuyen thanh cac chi nhanh Ngan hang Cong thuong khu we 1 vi II TO Hai Bit 'Dung time thuam chi nhanh Ngan C8ng thuong (NHCT) thinh oho Ha N0i, thugs NHCT Viet Nam

Tai quya dinh so 93/NFICT-TCCB ngay 1/4/1993 cue tong giam d& Ngin

hang Cong thuong Viet Nam sap ?cep Iai 60 may to chirc NHCT ten ,Ma ban Ha Nni theo me hinh quin hai cap cua NHCT Viet Nam, be cap thimh oho, hai chi nhanh NHCT khu we I vi II Hei Ba Trung la Wiling chi nhanh trim thuOc NHCT Viet Nam

dusic t6 chat hach town kinh to Ira boat Ming nhu cac chi nhanh NHCT cAp that, thanh ph&

Ke to 'may 1/9/1993, then quiet dinh cua king giam doe NIICT Viet Nam, sit nhnp chi 'Minh NHCT khu vim I va chi nhanh NHCT khu vac II Hai Be Hung Nhu

voy ke tir ngly 1/9/1993 Iron dia ban quart Hai BA Bung (Hi N0i) chi con duy nhat

man chi nhanh

Hien nay, chi nhanh NHCT Hai Bi Tnmg di vu0t qua nhgng kho than ban

du va !Mang dinh &roc vi trk vai tin cue mink tong nen kinh to thi trunng, ding yang va phat trien trong co che mai, chn (king ma ran mang luoi g ao djch, de Ming hob cac dich vu kinh doanh lien te Mat khic ngan hang con thuimg xuyen tang outing viec buy ding von vi sir dung von, thay dei ra eau dAu to phut on phat trien kinh to hang hod nhieu thanh phan theo dinh Inking gang nghigp hoa-hien dm boa

De Moe hien chi& lupe da clang hob cac phuong Mk, hinh that giiii phap huy dOng vim trong va ngoai nroc, da dens hoa cac hinh thirc kinh doanh va dam to, Or nAm 1993 no lai day chi nhanh NHCT Hai Ba Trung da thu duoc nhieu ket qua trong boat dung kinh doanh, rung boon khring dint mirth trong mai truing kinh doanh mai mang day tinh canh tranh

Bao cat) than tap tang hap chi nhanh NHCT Hal BA Thing

2 Char nang, nhiem vg cud cdc phang nghiep vy caa Chi nhdnh NHCT Hai Ba

Trimg:

2.1 Pha a kha h ha d a h Wen len R.rui Toy) bi too

La phong ,nghiep vu true trap giao djch voi khach hang la cao doanh nghiep hin aid

ye ;dial Mac nguen von bang VND va ngoai th; thug hien cac nghiep vu lien quan den

tin dung, quan ly coo sin pham tin dung phi] hop voi the de, the le hien Minh va hueing e den dm Nan hang C6ng thuong Viet Nam (NHCIVNk„.True tiep tuning cao, tiep th , • gioi thieu va ban the san pham dich vu ngan hang cho the doanh nghiep Ion

â Nhiem

+ IChai thk nguan von bang VND va ngoai to to khich hang la the doanh nghiep lern

+ Thug hien tiep thi, h6 up; chain sec Ichfic himg, tu van cho Minch hang ve cac sin

phAm Bich vu cith NHCTVN Lam elan mei bin cac sin phi= djch vu cua NHCTVN

den can !Mach hang la doanh nghiep Ion Nghien cuu due ra cac da mint ve tai lien san

phalli djch vu hien co, cung cep nhang sin phArn djch vu mei the Ithitch hang la doanh

nghiep Ion

+ ThAm djnh, xac dinh, quan lk% cac gioi ban tin dung cho cac khach hang co nbu eau

giao Bich ye tin dung va tai Up thuong mai, trinh cap có them quyen quyet dinh theo

qui dinh °Oa NHCTVN

+ Thuc hien nghiep vu tin dung ve xir ly giao dich

+ Quin ly the khoin tin dung dd duet cap; quasi ly thi sin dam bao thee guy dinh cith

NHCTVN Tim mei bien phap thu no nhom 2,3,4,5

+ nue hien nhiem vu MAIM vien HOi ding tin dung, Hiji deng mien giant Ibi Hai

clang xfr ly tui ro

+ Cung cap ha so, tai lieu, thong tin khach hang cho phemg quail ly rei ro de them dinh

Mc lap va tai than dinh theo qui dinh cue Chi nhindi va NHCTVN

+ Cap nhat phan itch thubng xuyen hok deng kinh SE, kha nang tai chink caa khich

hang dap (mg yen can quan ly boat &Ong tin dung

+ Thirc hien chain diem gap hang tin nhiem del vii khich hang co nhu eau quan he

giao dich va dang co quan he giao dich tin dung voi Chi nhanh

+ Phan iinhkip thiki nhang van de inning mac co chE, chinh sach, qui lkinh nghiep vu

va nhfmg van de' mOi nay sink, de xuAt hien OM) trinh Guam doe chi Nikki xem xot,

giai quyet hoc kien nglii len cep tren giai quyet

+ Lim tna ha so so lieu, lam ban cao shut theo qui dinh hien hanh

Bao tail thuc top tong hop chi nhanh NHCT Hai BA Ting

Char Wing:

La phong nghiep vu two tiep giao Bich vdi khach hang la cac Doanh nghiep

vira va nho (DNV&N), de khai that von bang VND vi ngoai te; thuc hien pas nghiep

vu lien quan den tin dung, quan ly cac san phem tin dung pha hqp ved the CI0, the le hien hint] va hyena den cis NHCTVN.Trut tiep quang coo, bap thi, gien thieu va ban

et sin phim dich vu Ngan hang cho cac DNV&N

+ ThAm Clink, the dinh, quan IE cac Mai han tin chmg cho cac khitch hang co nhu au

giao dich ye tin dung va tai try throng mgi, trinh di, co them quyen quyet dinh thee qui dinh can NHCTVN

+ Thvc hien nghiep vu tin dung va xer ly giao dich

+ Quan ly cac khoan tin dung de claw cap; gain ly tai san dam ban then quy dinh caa

NHCTVN Tim moi hien phap thu ng nhem 2,3,4,5

+Thu° hien nhiem vu thank vien HOi ding tin dung, Nei doing mien giam lAi, Hed dung xu ly nii ro

+ Cung cap he so, Hi lieu, Meng tin khich hang cho phong <man bl rid ro de them djnh dlac lop va tii them djnh then qui djnh cilia Chi nhainh va NHCTVN

+ Cap nhot phan tich throng xuyen hoat deng kinh te, kha nang tai chinh oils !Mach hang dap ling yen tau quan ly boat dOng tin dung

+ Thtnc hien them diem zap hang tin nhiem dei vol khfich hang co nhu can quan he

giao dich va dang co quan he giao dich tin dung voi Chi nhanh

+ Phan imh kip then nhang van da vuOng mac co die, chinh sach, qui trinh nghiep vu

la Nu-Mg vim die mai nay sinh

+ Luu tnth6 so se lieu, lam bac, do thirc then qui dinh hien heath

2.3 Meng khach ham' ci nhAn:

Cher Wing:

La phong nghiep vu twc tiep giao dich vtai khach hang la ca nhan, de khai that nguen von bing VND va ngoai N, tire hien cac nghiep vu lien quan den tin dung, quan ly ode son pham tin dung pha hqp vet chE de, the le hien hank va hulling den can

Le Von Anh A08006 _Trang 5

Bio c3o thvc tap fling Nip chi nhanh NHCT Hai Ba Trung

NHCTVN Taw deg quing cao, tiep thj, gioi thiau va ban cac sin pham dich vu ngan hang cho cac khach hang ca nhan

> Nhiem

+ Khai thic nguton v6n bang VND va ngoai to N khach hang la ca Man theo qui djnh cue Ngfin hang Nha nubs va NHCTVN Thuc hien cac giao dich tqrc tiep yeti khach hang tong nghiep vu huy dung von dLi veri M [thin Kiem soot tit ci cac bet loan giao dich toe° them quyen vi phtun vi phOng (man I

+ Thtic ht6n tiep thj, ha trq, Mom sec khach hang, Iv van cho khach thing 4 cac sin phtun Bich vP cLa NHCTVN

+ Thtun dinh, zoo djnh, quan lj cac giOi hen tin dung cho cac khach hang c6 nhu can giao djch ve tin dung va tai trq thvong mai, trinh cap c6 them quyen quyet dill theo qui djnh colt NHCTVN

+ Thvc hien nghiep vu tin dung vi air lj giao djch

+ Quin Ij cite kboan tin dung da duct cap; quail ly tai san dam bao theo quy dill cim NHCTVN Tim mci bien phap thu ncr nhom 2,3,4,5

+ Thvc hien nhiem vu than!, yien Hai Mang tin dung, Hai clang mien gilm Iii, HM

long air V; rui ro

+ Cung cap h6 so, tai lieu, thong tin khach hang cho phang gain lj rid ro de Main djnh dee lap va tai them dinh theta qui djnh cria Chi nhanh vi NHCTVN

+ Cap Mat phfin tich thuarng xuyan hog deng kinh to lcha Jiang tai chlnh &la khach hang dap Ung you tau quilt ly horn Ong tin dung

+ Thvc hien chAm diem xep hang tin nhiam dta yeti khich hang c6 nhu can quan he

giao dich va dang ce quan he giao djch tin dung vai Chi nhanh

+ Dieu hanh va <man ly lao deng, tai san, den van huy deng tai cac Quj; fiat kiam, diem giao dich, hverng den vi quail ly nghiep vu cac dich vu ngan hang cho cac QTK, DGD

+ Thvc hien ngbiep vu ve ban hiEm nhan the vi cac lotti bao hiem khic theo hveing den cue NHCTVN

+ Phan Sidi kip thin nhitng van de veins mac co che, chinh sach, qui trinh nghiep

vi dicing van de men nay sink

+ lam tra ha so s6 li2u, lam ban coo thvc theo qui djnh hien hall

2.4 Phone gun 14 nil ro (bao PA•n, a wan If no ye yen

â Chit ant:

Phobia quail lj rhi ro co nhiam vu than mvu cho Giant Mk chi Minh ve Fong

Bito cao time tap tong hip chi nhanh NHCT Hai Ba Trung

dam bao tuan the cac glen hen tin dung cho tang khach hang Tham dinh hope tai them dinh khach hang, chr an, phuong an de nghj cap tin dung Thuc hien °hike nang dirk gia, quan IV fru ro trong man be cac host dons ngan hang theo chi don cua NHCTVN Chiu trich nhiern fre club ly va da xuAt xu ly cac khoan ng ce yen de mi cite phong co cho vay, quan 13", khai that va xir ly tai san dam bio ng vay theo quy dinh cite nha nuetc

â NhieM Vy:

+ Nghien c5u chi] truong, chinh sach can Nha nu& VA chien lugc kinh doanh, chinh sach norm 13, ro con NHCTVN va tinh tying tin dung tai Chi nhanh trong rung thei + Time hien them Binh dog lap hoac tai them Binh :

• Tham dinh gigi Ilan tin dung, cac khoan cap cho khach hang co quasi he tin dung tai Chi nhanh ve trinh cap co than quyen quyet dinh

• Tham djnh cac khoan vay, du an vay von, cac khoan bao lanh, cap tin dung khic co do phirc tap hoac c6 gia trj Ion theo ode qui djnh cua NHCTVN trong ring thin ky hoac theo yeu can cua Giam dog chi nhanh hoac FIDTD Chi nhanh

• Tham dinh danh gig nil ro d&i veil de nghi co cau lai thid ban tra ng theo yeu eau cUa Giam doe chi nhanh, Hai (long tin dung co se

+ Tai them dinh, dark gia ro dpi voi cac khoin bao lanh, khoan cep tin dung khac boat de nghi co cau loi died hen tra no

+ nue hien phan loai nu va tinh tom tech du phong rai ro cho timg khach hang theo qui dinh hien hank

+ Cham diem, xep hang tin nhiem del yen khfich hang cb quan he tin dung tai Chi

nhanh

+ Kiem tra vies hoan thien he so tin dung, giam sat thug hien cac !chola cap tin dung

va nhap du Iieu doi vol klfrich hang co quan he tin dung tai chi nhanh sau khi da duric

cep co thkn quyen phe duyet

+ Kiem tra viec hoan thien he so cua cac nghiep vy ve It try thucmg mai, chuyen tien ngoai te, mua ban ng

+ Nghien eau cac danh mug tai san No dam tier vay, canh bio rid ro trong vie° nhen tai san dam bao

+ Trien khai dam hien ode chinh sach, qui trinh, qui djnh ve quan ly nii ro tin dung, Si

ro tic nghiep, ro thi Wrong, rid ro thanh loan

+ Cung cap thong tin lion quan den nghiep vu phong ngda rai ro cho cac phong lien quan tai chi nhanh va try se, chinh NHCTVN khi co yeu cau

Ban cao Mix tAp t6ng hop chi nhanh NHCT Hai Bit Trung

+ Lim Mu mei lien ha vOi Trung tarn thong tin tin dung NHNN tren dja ban trong viiic cung cAp vi khai chic sir Ming thong tin tin dung

+ 'wit vi theo doi, kiem tra thuc hii.n ve: lai suet, chi phi khuyen mui, tiep thj, chi hoa hong theo qui djnh

+ Nghien thu chu truing chink such, luet tap, cac van ban phip quy cua Nha sem

co lien mum den hoat deng ngfin hang

+ Diu mai kiem tra, tong hop he so de nghj xir ly roi ro, mien giam lai dm chi nhinh + Tham gig HO dang fin dung, Hai ding xd ld ml ro, Hai ding mien giim lai theo yeti can cu., Guam MSc chi nhanh

+ Deng hop thong ke, luu Me se lieu lien quan den the khoan nq co van a vit di sin dam boo ton dorm

2.5 Phone ke twin via° dich:

> Char rang:

La phong nghiep vu [hoc Men cac giao dich true tiep voi khach hang, cac nghiep vu vi cac cans viec lien den Ming S quasi ly tai chinh, chi den nei bc) tai chi nhanh, cung cAp cac djch vu ngin hang lien quail den nghiep vy (Muth loan

â NhiOm ry:

+ Phhi bhp vOi phalli thong tin Men Man quin thing giao djch iron may

+ Thirc hien dm Mau dich tree dip voi khich hang,

+ nue hien cat chirc nang kiem soat

+ Thiry hien sing tic lien quan den thanh loan MI thanh roan din tG, thank loan lieu ntan hang

+ Quin ly Meng tin

+ Quin ly sec vi giAy Ib co Ma, cac An chi quan trong, cac chung N goc

+ Quin ly quy tien mgt trong ngay Thu° hien viec kiem soft, did chieu lien met hang ngay veri 'Thong tien to kho guy, theo quy djnh cua NHNN ea NHCTVN

+LUU gift chimg S cite cac ba phan nghiep vv

+ Thirc hien quill ly coo giao djch mei be, teach loan chi toi luong vi cac khoan thu nhap khic cho can be nhin vien hang thing

+ Lap ke hooch tai chink, bio Cil0 tai chink

+ Lap ke hooch mua situ tai sin, trang thief bj lam vies

+ Tinh ye trich nap thug, bac, hiem xa hei, bio hiem y to ea cic khoin nap ngan such kirk

BS Geo dive tap tang hop chi nhanh NHCT Hat BA Tnmg

2.6 Phone thanh roan suit nhap khau:

â Chic nling:

La phong nghiep vu CO chine Moe hien nghiep vu ve thanh loan nu& nhap khan

vi kinh doanh ngoai le tai Chi nhanh theo qui dinh cOa NHCTVN

â Nhifm VO:

+ Thvc hien nghiep vp ye thanh man xuat nhap 'shim theo han mire dupe cap

+ Hum hien nghgep Am va mua ban ngoai te

+ HO try phong ke loan lbw hien chuyan tier nu& ngoai

+ Phie hp]) voi b@ phan lam soil sae thuOc phong Ke toan kiem soil, del chieu cac

bit toan phat Binh 6 cac tai [Moan lien quan den nghiep vs] con phong

+ PhOihrtp vol cac phong khach hang thvc hien Yong tic flap thi de khai Sc riguem ngoai 1@ elm chi Semis

+ Tu van khach hang so dung the sin phAm tai try thuong mai, thanh town xuat nhap khAu

+ Tham gia Heri deng tin dung, Hei deng mien girth lei HOi doing xi ly raj ro

+ Tens hop bao dm, km gill thing ttr, tai kith then qui dinh

+ Dim Ma an toan bi mat the se lieu oo lien quan theo qui dinh

2.7 Phang lien to kho out

â Char ming:

La phong nghiep vs' sip ly an loan kho quy, span ly quy tien mat then qui dinh cia NHNN va NHCTVN Ling vi thu Can cho cac guy tiet kiem, cac diem giao dich trong va ngoai quAy, thu chi nen mAt cho cac doanh nghiep co the, chi lien mOt

â Nhiem

+ Qualm 16 an toan kho guy- theo dung qui thrill cna NHNN va NHCTVN

+ Thvc hien Ong lien va thu lien cho Mc qui het kiem, the diem giao shah trong va ngoai quAy ATM theo ay quyen kip [hid chinh /sac, dung the de qui Binh

+ Thuschi lien mAt giao dich co gia hl Ion, thu chi luti deng tai the doanh nghiep, khach hanh

+ Phed hgp veri phong Ke loan, TO chic hanh chinh time hien dieu chuyen lien Odra

qui nghiep Iry tha chi nhanh vol NHNN, cac NHCTVN tren dja ben, the qui fret kiem, diem giao dich, phong giao dich, may rut lien to Ong an toan, dung the de

+ Thireng xuyen kiem tra vi phat hien kip thoi cac hien Wong anh huerng dean an toan qui

Bag coo thgc tap [Ong hop chi nhanh NHCT Hai BA Tnmg

+ Thu° hien phi die]) then doi sA sick, thu chi suit nhap kbo qui day du

+ Thuc hien viec deng gel,* bang Ice chuyen sec du fich, boa don thanh toan the VISA, MASTER ye try so chinh NHCTVN hoac cac dAu mOi de giti di nue/0 ngoai nho

2.8 Phony to cher — hinh chinh:

+ Thuc hien qui djnh cua Nha nude va cite NHCTVN co lien quan den chinh sad] can

be ve den Lang, ban hiem xa hei, boo hiem y te

+ Thuc hien quan ly lao Mang, tuyen dung lao dung, dieu Ong, sap xep can be

+ Timm hien boil duerng, quy hooch can be lanh dao toi chi nhanh

+ ray dung ki hooch vi to afro &So to nimg can trinh de ve mei mat cha can be, nhan vien chi nhinh

+ Phial hop cling phong ke tom lap ke hooch mua s&m, sin chita TSCD

+ Quan El va sir dung ye 8 to, dien, dien thoai va the trang thiet N cua chi nhanh

+ TO chim cong tac van thu, km trU, quan I)", ha so can be

+ TO chic thuc hien cling tic y to toi chi nhanh

+ Oman hi mei dieu kien can thiet de hei hop, hei than, so ket, tong kat

+ TO chirc cling Mc bats ve an toan co quan

2S Phane ahbne tin dien toga:

> Chic wing:

Thuc hien cOng tac quail ly, duy trl he fining Mang tin dien roan tai cho nhanh

Han doling may tinh dam boo thong subt bog dOng aim he fining mug, may tinh cua chi nhanh

Bao cao thvc 14p tong hop chi nhanh NHCT Hai Ba Trang

+ Thvc hien trian khai cac he thong, choong ttinh phan mem mai

+ Lap, gfri the bac cao bang file then guy djnh hien hank cua NHCTVN, NHNN

+ Thvc hien nghiep vu dau mOi ye the

2.10 Phi us

> Churning:

La phony nghiep vy than) muu rho giim d6c chi nhanh dtr kik ke hooch kinh doanh, t6ng hop, phan flab dank gird Mt hinh Mat deny kinh doanh, thvc hien ban cao hoot dung hang nam dm chi Minh

â Nhiem re:

+ Dy kien lce hooch kinh doanh, phan tich tai chinh, phis tich dare) gia tong hop bao cao tinh hinh boat dOng va ket qua kinh doanh con chi nhinh

+ Lam ckAu moi cac bao cao theo qui djnh cue NHCTVN va NHNN

+ Lam wing tic thi dua °Oa chi Minh

+ La din mei nghien thu cac de an mO rOng mang Judi kinh doanh tai chi nhanh

Ve nguan nit lopc:

G6p phan vac sv phat trien caa Chi nhanh Ngan hang Cong throng Hai Ba Thing phai ke den Min t6 quyat djnh then chat, do lekngubn 'than lye va cony tic quan tri (lieu hanh Cuing vOi viec xay dung va dai meri ye me hinh t6 chirc, Chi nhanh Ngin hang Cong thuong Hai Bet Truing a tang buem xay clang va time hien &roc

nhang Hwang trill rat co ban ve dai ngO can b0 Cong tic dao too, bei dueng ket hop veri tuyen dung can by mdi trta thanh cling viec cap bath, &roc quan tam throng xuyen Trong do xay dung chien live nguOn thin Iva cin hp vira co phAm chit Ting yang, vim co Ming lac chuyen man tr6 thanh van de then chin, quyet clink &di yoi moi hoat dOng cue Chi nhaah: dam bao thu but duct We king leo d0ng co chit hang cao, dam bio viec b6 trk sap xep nhan Iva theo huong phat huy t6t nhAt nang lac, phAm chat cita ttang ca Man

Co eau ngtuin nhin Iv dm Chi nhinh Ngan hang Cong thvcmg Hai BA Tnmg: Trill dO Iran dai hoc Dai hoc Cao clang Trung cep TOng

Bao coo thkrc tap tinig hop chi nhanh NHCT Hai Bit Tnrng

N Mat so sao phial did] vu gra Chi nhanh Ngin hang Cang throng Hai Bi Trim:

Chi nhanh Ngan hang Congthucmg Hai Ba Tnmg vOi ha tilting Can phAm phang pint, da dang, cung cap cho nhieu dai Wong thick hang:

> San phAm dick VI/ cunt Col cho khach hems le Doanh nehierx

• Dich vu tai khoan:

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• Thu tien dai IP;

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• Thanh town dinh kj, then you du; Thanh town hog don; Thanh toan xuat nhap

khan;

• Chuyen tien trong nude;

• Tin dung doanh nghiap;

• Bao lanh;

• Cacdich vu kirk

â Son hem rich vu

• Dich vu tai khoan; Dick vv AS, phieu; Dich vu the;

• ghat Wirth giay cO gia dal ban;

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• Tin dung ca Man;

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• NgtuTh hang dian

> San vham dick vu cone cap cho khach hang ld Td china tin dung;

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World Bank tai no

ho khdch h' le Ca nhein•

Bao cao thgc tap tang hgp chi nhinh NHCT Hai BA Tnmg

PHAN 2 THI/C TRANG HOAT HONG SAN XUAT KINH DOANH CUA

CHI NHANH NGAN HANG CONG THUONG HAI BA TRUNG

I Hoet ding quilt H diEu hanh van

I Huy ()Bag Inea

Nhan that dung din, sau sic cat quan diem cu tinh dinh hissing cho viac huy dgng van, chi nhanh Ngan hang Ong thuong Hai Bit Tnmg da loon coi tong tong tic huy &jug van du& men hinh thirc de' dam bito quy m6 imam von dap me tang tnrong theo ka hooch xic dish

Don vi: triau dang

The itguan buy

Tien gni din cu '/ 713,551 954,304 992,906 34% 4%

C Cac nguan kink ( 0 0 0

(Dick ado coo tong Imphaag Cana (Sang HOBO Tnm - 2004-2006)

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Cans tic huy tong van *tong nate 2006 dm Chi nhanh Ngim hang CEng thuong Hai BE Tnmg 4t dirge ket qua Mt

Cudi thing 12 nam 2006, tong nguan van huy dang quy ra VND 4t ,t7i.V161

tY d6ng tang 3f115% so voi ding ki nim 2005 va 8 r 6% so vOi ding ki nam 20

Li Vein Anh A08006

X II() En, .1)')

Tsang 13

XI lin

Bito can time tap tong hqp chi nhanh NHCT Hai BA Thing

ye chi] quan, Chi nhanh da ip dung nhieu hinh thirc huy derng phong Ws ahting ngimg nang cao chit loons cac diet) vu Ngin hang, they Mai phone each plum

vg khach hang, timg bare Um kiem abach hang mei do 46 di Ho duo° mem tin trong

kill° hang den giao Bich ding thtii tao the ding yang chic cho Chi nhanh trong xu the nhat than chung caa cac Ngan hang thuong mai iv nth do

Ngan hang Ictiong ngimg n8 lue trong viac co cAu 1@i nguan van huy ding sao cho him H va van lay deg co lai suit la cOng cu co ban dE diem chinh gifra luong ngoai t@ va VND

Ve kluich quan, do tam IY ngund dim mans gun lien visa de huting lai vim bao dam an Min tier dm minis vi vay nguin van buy dOng ti] dan cu van tang lien tuc

Mac da ce tang tatting vi uguan van song hian nay, Chi nhinli Ngan hang C8ng thuong Hal BA Tnmg cfmg nhu cac ngan hang thuong mai dang ding tunic tinh tang thieu von de dap ting nhu eau vay vein day to thay dOi thiEt hi, may mac, tong natio' can the doanh nghiap